Christopher Phillips, Finance Expert in San Francisco, CA, United States
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Christopher Phillips

Verified Expert  in Finance

Finance Expert

Location
San Francisco, CA, United States
Toptal Member Since
March 18, 2020

Chris is an accomplished senior executive who has raised over $1 billion in debt financing, created operating and pricing models for companies in the fintech and enterprise software industries, and advised on over $30 billion of M&A transactions while at J.P. Morgan. As a freelancer, he enjoys working with a wide variety of clients helping them to run financial analyses and efficiently scale their organizations.

Financial Planning & Analysis (FP&A)Financial ModelingValuationMergers & Acquisitions (M&A)Equity ResearchPrivate EquityCapital Markets

Case Studies

Image of Loan Product Unit Economic and Pricing Analysis project
Loan Product Unit Economic and Pricing Analysis
Unit EconomicsFinancial ModelingPricing
Image of Asset-backed Facility Term Sheet project
Asset-backed Facility Term Sheet
Debt RaisesDebt FinancingNegotiationCapital Markets
Image of Standard SaaS Operating Model project
Standard SaaS Operating Model
Financial ModelingFinancial Planning & Analysis (FP&A)Key Performance Indicators (KPIs)SaaSForecasting

Industry Expertise

Accounting ServicesFinanceSoftwareFinancial ModelingFintechCapital MarketsPricing

Software Expertise

Microsoft Excel

Other Expertise

Capital RaisingFinancial ModelingFinancial Planning & Analysis (FP&A)FintechValuation

Work Experience

CFO

2019 - PRESENT
Orderful
  • Built company operating model for budgeting and financial forecasting.
  • Implemented financial operation infrastructure, including standardized billing, payable, and monthly close processes.
  • Restructured GL and set corporate KPIs in order to appropriately measure relevant SaaS metrics.
  • Restructured and streamlined the company's standard contract.
Focus areas: Investor Relations, Customer Success, Legal, Accounting, Financial Planning & Analysis (FP&A)

Vice President and General Manager, Home Improvement Lending

2016 - 2019
Mosaic
  • Built and launched a new point-of-sale finance business line catering to home improvement contractors culminating in $100 million annual run-rate loan originations.
  • Structured and negotiated a $150 million warehouse facility with a major investment bank to scale the new business line.
  • Built company operating model for internal budgeting and financial projections.
  • Pitched, structured, and implemented partnerships with the largest residential door manufacturer, the largest residential roof manufacturer, and the first and fifth largest HVAC manufacturers in the United States.
  • Developed a loan pricing model to inform and set loan interest rates and dealer fees.

Vice President of Finance and Corporate Development

2015 - 2016
SoFi
  • Reduced cash drag on the balance sheet, freeing up a cash balance of $25 million to $30 million, by implementing new, efficient operational funding processes.
  • Analyzed and tracked KPIs and profitability across four product lines; student loans, personal loans, mortgage loans, and wealth.
  • Managed liquidity planning across nine separate credit facilities, plus multiple forward flow purchase agreements, for a company originating $7+ billion in loans annually.
  • Structured two unsecured loan credit facilities with an aggregate commitment of $500 million.
  • Structured a $400 million forward flow whole loan and a residual purchase agreement with a 40 Act fund.
Focus areas: Corporate Development, Investor Relations, Treasury, Budgeting, Financial Planning & Analysis (FP&A)

Analyst

2013 - 2015
Conatus Capital
  • Served as the primary researcher or co-lead on over ten core investments in a highly concentrated $400 million financial services portfolio.
  • Achieved a total P&L contribution of over $85 million during tenure on a total managed financial portfolio of $400 million.
Focus areas: Service, Global, Investing, Equity, Portfolio Management, Equity Research

Associate

2012 - 2013
Thomas H. Lee Partners
  • Prepared the analysis, including industry growth, customer trends, business line profitability, and potential cost-saving opportunities, that culminated in the acquisition of CompuCom, a leading IT outsourcing firm, for $1.1 billion.
  • Developed pro forma financial projections for Systems Maintenance Services for a $125 million debt recapitalization.
  • Created multiple investment memorandum for over ten companies in the business services and financial services industries.
Focus areas: Negotiation, Sourcing, Due Diligence, Investing, Private Equity

Investment Banking Analyst

2010 - 2012
J.P. Morgan
  • Built pro forma financial models for HSBC for the sale of their $30 billion U.S. card business and $1 billion upstate New York branch network.
  • Advised the Bank of Montreal on their $4 billion acquisition of Marshall & Ilsley Corporation, valuing both the target and the acquirer using dividend discount and trading comparables methodologies.
  • Created a fully-integrated merger model to determine the capital and P&L impact to First Niagara of a deposit franchise acquisition, evaluating execution and financing risk.
  • Created investor marketing materials and a pro forma financial model for KeyCorp's $625 million common equity raise and TARP repayment.
  • Covered a portfolio of 25 North American banks and exchanges in ongoing client coverage.
Focus areas: Debt Raises, Capital Raising, Mergers & Acquisitions (M&A)
2006 - 2010

Bachelor's Degree in Finance & Economics

University of Notre Dame - Indiana, USA